cancel
Showing results for 
Search instead for 
Did you mean: 

How often use card prevent from closing?

tag
Desmoire
Regular Contributor

How often use card prevent from closing?

How often should I pull out a sock drawer card and use it to prevent them from closing my account due to inactivity?

myFICO Scores EQ 778 TU 783 EX 772 | Mortgage 106774.00 | Auto Loan 15251.00 | AMEX BCE 0/25500 | Lowes 0/6300 | Barclay Rewards 0/5000 | NASA FCU 0/5000 | FNBO 0/4400 | Amazon 0/4000 | FNBO Employee 283/2900 | NFM 0/2600 | Chase Freedom 0/2500 | Best Buy 0/2300 | Cap One 0/2250 | FNBO 0/1100 | NASA FCU Rewards 0/1000 | Quicksilver 0/750 | Younkers 0/500 TOTAL: 283/74,450 0.003% UTIL
Message 1 of 6
5 REPLIES 5
FinStar
Moderator Emeritus

Re: How often use card prevent from closing?

It depends on the issuer.  Some can go > 12 months without inactivity while others will CLD or close if the account is inactive < 6 mos.  Check with the issuer in question.

Message 2 of 6
yudeology101
Senior Contributor

Re: How often use card prevent from closing?


@FinStar wrote:

It depends on the issuer.  Some can go > 12 months without inactivity while others will CLD or close if the account is inactive < 6 mos.  Check with the issuer in question.


+1.  From reading different threads about this, Barclays seems to be on the < 6 month category. 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 3 of 6
coldnmn
Mega Contributor

Re: How often use card prevent from closing?

To be safe I use a card every 3 months except for my CareCredit I only use it when I need it. They never closed after 1 1/2years the last time. 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4 of 6
MMB85
Contributor

Re: How often use card prevent from closing?

I went about 3 years without using my Discover card and nothing happened. Wouldn't recommend it though. I just rarely used it because it had a $500 CL, while my other card had a $2500 CL at the time. So I felt like using that card and giving them my business over Discover. But then just recently I got the Discover card bumped to a $5,000 CL, then a month or 2 went by and I upgraded the Discover card to a Discover-IT and I just put in a request to add an additional $5,000 of CL to it.

 

So ya, it varies. I went about 3 years without using mine. And I have seldomly used it since breaking that 3 year mark. My go to card right now is my Freedom. But it is smart to use your other cards once or twice a month at the least.

Message 5 of 6
Darrell82
Established Contributor

Re: How often use card prevent from closing?


@Desmoire wrote:

How often should I pull out a sock drawer card and use it to prevent them from closing my account due to inactivity?


I would say to be safe about every 6 months use the card . even just for a small purchase would be good.




Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.